34 Prospect St, Erving, MA 01344 Property Records

Franklin County and Erving Town property record for 34 Prospect St, Erving, MA 01344

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,108 sqft · built 1910
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$186,000 (Aug 2013)
Tax Bill	$2,462 (2025)
Deeds & Mortgages	Dec 2023 Refinance Jan 2021 Refinance + 2 more
APN	`ERVI M:004 B:005 L:036`

Property Details

APN / Parcel Number

Primary APN	`ERVI M:004 B:005 L:036`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,108 sqft Living Area
Gross Area	3,890 sqft
Basement Area	848 sqft
Unfinished Basement	848 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	34 PROSPECT ST
City	ERVING
State	MA
Zip	01344-4435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	5
Legal Lot Number	36
Jurisdiction	ERVING MA
Township / Civil Division	ERVING
Census Block Group	2
Census Block	2059
Census Tract	40400

Owner

34 Prospect St is owned and occupied by two individuals who bought it in August 2013.

Source: Franklin County and Erving Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	34 PROSPECT ST, ERVING, MA 01344-4435
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FRANKLIN FIRST FEDERAL CREDIT UNION
Jan 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FRANKLIN FIRST FEDERAL CREDIT UNION
Dec 6, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance FRANKLIN FIRST FEDERAL CREDIT UNION
Jan 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FRANKLIN FIRST FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2013 · Amount on File
Deed Sale	Aug 23, 2013 · Amount on File
Prior Sale	Aug 23, 2013 · Amount on File
Deed Book / Page	6430 / 127
Transfer Doc	6430000127
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERVING MA
Property Address	34 PROSPECT ST, ERVING, MA 01344-4435
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008261-100
Date	Dec 20, 2023
Book Page	8261/100
Instrument	11304

Lender

Name	FRANKLIN FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	109 Months
Due	Jan 1, 2033

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERVING MA
Property Address	34 PROSPECT ST, ERVING, MA 01344-4435
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007685-21
Date	Jan 12, 2021
Book Page	7685/21
Instrument	202100000317

Lender

Name	FRANKLIN FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERVING MA
Property Address	34 PROSPECT ST, ERVING, MA 01344-4435
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7294-80
Date	Dec 6, 2018
Book Page	7294/80
Instrument	12847

Lender

Name	FRANKLIN FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jan 1, 2029

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERVING MA
Property Address	34 PROSPECT ST, ERVING, MA 01344-4435
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7685-21
Date	Jan 12, 2021
Book Page	7685/21
Instrument	317

Lender

Name	FRANKLIN FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 34 Prospect St was $2,462, up 9.3% from the year before.

Source: Franklin County and Erving Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Franklin County
County Subdivision	Erving Town
Elementary School District	Erving School District (PK - 06)
Secondary School District	Gill-Montague School District in Erving (7-12) (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,462.00 (+9.28%)	$264,500 (+8.22%) Land $71,000 Building $193,500	$335,865 (-1.74%)
2024	$2,253.00 (+21.26%)	$244,400 (+5.25%) Land $71,000 Building $173,400	$341,810
2023	$1,858.00	$232,200 Land $71,000 Building $161,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 34 Prospect St; 2 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 34 Prospect St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ERVING WATER DEPT serves 561 people · EPA ID MA1091000
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 204 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Prospect St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures